银保监管融合背景下银行保险业务发展问题研究  

Development Issues of Bancassurance Business with Banking and Insurance Regulatory Integration

作　　者：王竹 WANG Zhu

机构地区：[1]厦门华厦学院商务与管理学院

出　　处：《商业经济》2019年第12期167-169,共3页Business & Economy

基　　金：2016年度福建省社会科学规划项目：基于中国制造2025的福建中小企业合作创新研究(FJ2016C139);福建省教育科学“十三五”规划2018年度教育教学改革专项课题：比较视野下的复合型投资学人才培养模式设计(Fjjgzx18-146)

摘　　要：2018年3月,银监会与保监会职能合并,组建了中国银行保险监督管理委员会,“一行三会”的监管格局成为历史。作为银保交叉型业务的典型代表——银行保险(bancassurance),重新回归大众的视野。在银行保险业务快速发展的过程中,也暴露出许多问题,既有出自微观层面的产品和营销管理等问题,也有来自宏观层面的监管和制度问题。在银保监管合并的新常态下,解决我国银行保险发展过程中存在的诸多问题,除了发挥监管的协同与融合外,更重要的是要尽快完善宏观制度安排和政策指引,规范微观主体的经营行为。In March 2018,the functions of the CBRC and the CIRC were merged to form China Banking and Insurance Regulatory Commission,and the regulatory pattern of"one bank,three commissions"became history.As a typical representative of the cross business of banking and insurance,bancassurance has returned to the public's vision.In the process of the rapid development of bancassurance business,there are also many problems,not only in product and marketing management from the micro level,but also with regulatory and institutional issues from the macro level.Under the new normal of regulatory merger between banking and insurance,in order to solve many problems in the development of banking and insurance in China,in addition to the coordination and integration of supervision,it is more important to improve the macro institutional arrangement and policy guidance as soon as possible,and regulate the operation behavior of micro subjects.

关 键 词：银行保险 监管融合:对策建议 

分 类 号：F832[经济管理—金融学]